The typical owner-occupied home in Tubac is worth about $490,800, 24% above the Arizona median of $394,500 and 48% above the national median of $332,700. Owners pay a median $2,745 a year in property taxes, about 0.56% of their home's value, higher than the Arizona rate of 0.48%. The median household earns $73,359 a year, so the median home costs 6.7 times the median income (4.9 times for Arizona). 91% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Tubac at a glance
| Tubac | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $490,800 | $394,500 | $332,700 |
| Median property tax paid per year | $2,745 | $1,879 | $3,119 |
| Property tax as a share of value | 0.56% | 0.48% | 0.94% |
| Median household income | $73,359 | $79,964 | $80,734 |
| Homes lived in by their owners | 91% | 67% | 65% |
| Owner homes with a mortgage | 46% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $2,074 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 26.9% | 20.5% | 21.0% |
| Median rent | $2,295 | $1,543 | $1,413 |
| Rent as a share of renters' income | 51.0% | 30.8% | 30.6% |
| Median year homes were built | 1999 | 1992 | 1980 |
| Vacant homes | 35.2% | 10.5% | 10.1% |
| Population | 1,294 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Tubac
At this week's average 30-year rate of 7.11%, buying the median Tubac home of $490,800 with 20% down costs about $3,075 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,892, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $131,779 for the 20%-down payment. That payment is 50% of the median Tubac household income of $73,359; at that income and 20% down, the 28% guideline points to a home of about $273,000.
The median rent here is $2,295 a month, so owning the median home costs about $780 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $98,160 |
|---|---|
| Loan amount | $392,640 |
| Principal and interest | $2,641 |
| Property taxes (0.56% a year) | $229 |
| Homeowners insurance (our estimate, 0.5% a year) | $204 |
| PMI | $0 |
| Total per month | $3,075 |
Change the numbers in the calculator
| Down payment | $17,178 |
|---|---|
| Loan amount | $481,910 |
| Principal and interest | $3,242 |
| Property taxes (0.56% a year) | $229 |
| Homeowners insurance (our estimate, 0.5% a year) | $204 |
| FHA mortgage insurance | $217 |
| Total per month | $3,892 |
Change the numbers in the calculator
Questions about home buying in Tubac
What is the median home value in Tubac?
About $490,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Tubac?
Homeowners pay a median $2,745 a year, which is about 0.56% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Tubac?
For the median home with 20% down at 7.11%, the payment is about $3,075 a month. Keeping that under 28% of gross income takes about $131,779 a year.
More about Tubac
- Mortgage Refinance in Tubac
- Debt Relief in Tubac
- Home Equity Loans in Tubac
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data